CNB Bank, Mortgage Lending Officer, Hybrid

Job Type


Full-time

Description

The Mortgage Lending Officer supports Senior Retail Lenders and divisional leadership by providing guidance on mortgage products, pricing and complex loan structures, including construction lending. This role provides direction and support to the Mortgage Business Analyst, LOS Administrator, and Senior Mortgage Underwriter, ensuring alignment across lending, underwriting, and secondary market requirements. This role is also responsible for ongoing seller/servicer eligibility through coordination with investor and compliance partners.

Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position.

KEY RESPONSIBILITIES

• Provide product, pricing, and loan-structure guidance
• Provide direction and functional oversight to Mortgage Business Analyst, LOS Administrator and Senior Mortgage Underwriter
• Compliance & Regulatory Adherence
• Serve as a liaison across lending, underwriting and compliance
• Monitor and support secondary market readiness
• Identify process, system, or policy improvement opportunities

ATTITUDES

Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives by demonstrating:

• Respect : Model respectful behavior and set clear expectations for others.
• Client Focus : Deliver consistent, high-quality service that builds trust and loyalty.
• Inclusion : Encourage diverse viewpoints and contributions in decision-making collaboration.

BEHAVIORS

Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results by demonstrating:

• Leadership : A collaborative leadership style that empowers others and inspire creative, out-of-the box thinking.
• Integrity : Strong business ethics and honest behaviors.
• Collaboration : Positively works with others to achieve shared goals and outcomes.
• Volunteerism : A recognized and visible presence in serving our communities.

COMPETENCIES

Reflects skill, good judgement, positive conduct, and personal responsibility for assigned areas. Seeks to implement and leverage services and technologies that create efficiencies by demonstrating:

• Accountability : Demonstrates accountability by owning underwriting decisions and ensuring accuracy, compliance, and quality outcomes.
• Innovation : Applies creative thinking and forward-looking solutions to drive continuous improvement and adapt to evolving challenges.
• Professionalism : Reflects skill, good judgment, and positive conduct.

SUPERVISORY RESPONSIBILITIES

Supervisor drives strategic success from encouraging transparency, maintaining a focus on shared organizational goals, and making time for professional development. Supervisors are expected to hold regular one-on-ones with direct reports to provide them with an invaluable chance to align goals, offer guidance, and foster growth within their teams.

• Provide strategic oversight and leadership for all mortgage lending functions across Portfolio, Agency and Home Equity Lending.
• Drive consistency through clear policies, procedures, and escalating pathways.
• Establish lending standards that align with institutional risk appetite while supporting responsible loan growth.
• Act as final or designated credit authority for complex, high-risk, or policy exception requests.

POSITION LEVEL(S) EXPECTATIONS

Title of Mortgage Lending -Officer, AVP, or VP is dependent on education level, years of experience in the areas listed below:

• Mortgage Products & Structuring Expertise- Demonstrates advance knowledge of mortgage products, pricing and complex loan structures to support sound, compliant lending decisions.
• Functional Leadership & Alignment- Provides effective direction and support to key mortgage support functions to ensure consistent alignment across lending, underwriting, and secondary market requirements.
• Secondary Market Governance- Maintains secondary market readiness by ensuring ongoing seller/servicer eligibility and coordinating effectively with investor and compliance partners.

SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES

Actively participate in expanding skill sets and career paths by attending training programs, workshops, certifications, and educational resources relevant to the role. Set stretch assignments and cross functional opportunities that foster growth and learning.


Requirements

QUALIFICATIONS, EDUCATION, & EXPERIENCE

To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. A high school diploma or general education degree (GED) is required, with 5+ years of experience, extensive knowledge of Investor guidelines and Regulatory requirements. A background screening will be conducted.

• LANGUAGE SKILLS: Ability to read, comprehend, and interpret documents. Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization. Ability to communicate to clients directly and effectively.
• TECHNOLOGY SKILLS: Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use. Prior experience and proficiency of LOS systems such as Empower, including reviewing complete electronic loan files, tracking conditions, documenting underwriting decisions, and managing workflow efficiently.
• MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure. Demonstrates advance mathematical aptitude to accurately calculate and analyze loan-to-value, debt-to-income ratios across a full range of loan types and borrower profiles.
• REASONING ABILITY: Applies strong financial analysis and judgement to assess risk, identify compensating factors, and support sound credit decisions within investor and regulatory guidelines.
• PHYSICAL DEMANDS AND WORK ENVIRONMENT: The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this position.

This position operates in a professional office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers. Noise level is moderate with constant communication and interactions with others. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite.


Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

DISCLAIMER : This job description is not an exclusive list of responsibilities and duties. They may change at any time without notice.


BENEFITS

• Medical, Dental, Vision & Life Insurance
• 401K with company match
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!

Eligibility requirements apply.

CNB Bank is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating and preserving a culture of diversity and inclusion.